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Once again, it's time for the FNGT!

If you don't know how this works, . That link will take you to another site to give you some additional information and tell you about some of our off-site features. That's also the site where we will host the weekly guitar threads, should Poal go down.

NOTE: That site is by invitation only. If you want an invite, and you're a regular participant, then just ask COF, Crazy, or myself.

If you do know what's going on, you probably don't need to click that link - but you may want to, to make sure you know of the other features, such as the archive or a separate forum that's invite only.

Remember, we are guests here on Poal. Let's act like it. If you're interested in supporting Poal, then .

**Once again, it's time for the FNGT!** If you don't know how this works, [click this link](https://fngt.gq/index.php?page=intro). That link will take you to another site to give you some additional information and tell you about some of our off-site features. That's also the site where we will host the weekly guitar threads, should Poal go down. **NOTE:** That site is by invitation only. If you want an invite, and you're a regular participant, then just ask COF, Crazy, or myself. If you do know what's going on, you probably don't need to click that link - but you may want to, to make sure you know of the other features, such as the archive or a separate forum that's invite only. Remember, we are guests here on Poal. Let's act like it. If you're interested in supporting Poal, then [you can donate](https://poal.co/donate).

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[–] • 0 pt

I think it's works out to be cheaper for everyone when they spend other peoples money

Well except for the person who's money you're spending!

[–] • 0 pt

It depends on your credit, really. They know I can pay back any loans, so my interest rate is at the most, for most loans, less than 4%. It's often lower.

If you have shitty credit, you'll have like an 18% interest rate (more on a credit card). So, if your assets are making 7 to 13% and your credit's interest rate is higher than that, it's best to spend your own money.

[–] • 0 pt

LoL I figure its best to not spend any money when you're in that situation!

[–] • 0 pt

Sometimes you need credit, for a car or a house or school... So, yeah, it kinda sucks to be them. I think my credit card with the highest rate is like 5.5% or something like that. I never actually pay interest on credit cards. I put stuff on the card and then just pay it off entirely when the bill is due. I never make partial payments, so I effectively get free money. I actually do better than that, as I get like 2 to 4% back on my purchases. So, not only am I not spending money, I'm actually getting legit free money.